Amazing how people seem to 'justify' their position. You either download music and pay little to nothing back into the system or you don't. So what? If my neighbour's unemployed or underemployed but has access to the internet am I gonna slag her/him for not buying those complete discographies that s/he rarely plays (or plays often)? Nope. What if s/he's wealthy? Nope. Would I talk more about concerts and local events if it were the latter? Probably. Would I show off neat merch (like golf discs, ulti frisbees, blankets, etc)? probably...the more of it I had.
It's not so much stealing as it is a lost revenue which is a big difference. My neighbour's not taking something away, s/he's not paying into the system.
Artists will continue to make their art and the system will only change. It's not the '70's anymore. There are scads of music schools pumping musicians out into the world. Music is being made in shards of genres and as a product. It's a different world with a lot of amazing music and a lot of filler.
When the record companies embrace music as they did years back (investing in and pushing a great product, not just the most profitable product) then there will once again be value in music for people to latch onto.
Until then it's really up to the artists and their communities to work together to keep music alove as an art form.
Can't afford to be a musician full-time? It's time to put your entrepreneurial skills to the test and make rent some other way. Find some backing, folks. You're not going to change anybody's mind whining on the internet about it.